Category
First Home Buyers
Saving deposits, government schemes, and navigating the buying process for your first property.
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The Real Estate Agent Told Me to Waive the Building and Pest Inspection. Should I?
A real estate agent wants you to skip the building and pest inspection? Here's what Sydney buyers should know before signing a contract.
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I Bought My Home Last Year. Now Property Prices Are Falling. What Should I Do?
Bought your home recently and worried about falling property prices? Here's what negative equity means and what you can do to protect your financial position.
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Can I Get a Home Loan If I'm on Maternity Leave?
On maternity leave and wondering if you can get a home loan? Learn how Australian lenders assess parental leave income, return-to-work plans and childcare costs.
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Can I Get a Home Loan If I've Just Started a New Job?
Just started a new job or still on probation? Find out if you can get a home loan in Australia, what lenders check and whether you need to wait.
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I've Never Managed the Money in My Relationship. How Do I Buy a Home on My Own?
Buying a home on your own after separation? Learn what lenders look at, how borrowing capacity works and what you need to apply for a home loan.
I earn $120,000 as a single mum. Could I buy a home on my own?
Earning $120,000 as a single mum and wondering if you can buy a home on your own? Here’s what lenders look at beyond your salary and deposit.
I’m a single mum. Can I buy a home with a 2% deposit?
Single parent and wondering if you can buy a home with a 2% deposit? Here’s how the Australian Government 5% Deposit Scheme works for single parents in 2026.
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How Do I Buy a Home in Sydney?
Thinking about buying a home in Sydney? Here’s a simple step-by-step guide to deposits, borrowing, pre-approval, buying costs, contracts and settlement.
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Does HECS Debt Affect How Much I Can Borrow?
Have HECS debt and planning to buy a home? Find out how HELP debt can affect your borrowing capacity and whether paying it off could help.
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Does My Credit Card Limit Affect How Much I Can Borrow If I Owe Nothing?
Pay your credit card off every month? Your credit limit can still affect how much you can borrow for a home loan. Here’s why.
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Does childcare affect how much I can borrow for a home loan?
Paying childcare or daycare fees? Find out how childcare costs can affect your home loan borrowing capacity and what lenders consider.
Why Has My Borrowing Capacity Dropped Even Though My Salary Hasn’t Changed?
Your salary hasn’t changed, so why can you borrow less? Here’s how interest rates, debts and bank lending rules can affect your borrowing capacity.
Can My Borrowing Capacity Change After I’ve Been Pre-Approved?
Yes, your borrowing capacity can change after pre-approval. Learn what can affect it before you make an offer on a property.
The Australian Government 5% Deposit Scheme in 2026: What First Home Buyers Need to Know
The Australian Government 5% Deposit Scheme explained for 2026: eligibility, price caps, stamp duty savings and the trade-offs to know before you apply.
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I have a bad credit score. Can I get a Home Loan?
Can you get a home loan with bad credit in Australia? What lenders look at, how long defaults stay on your file, and how to improve your score before applying.
What to Do If You Have a Bad Credit Score (and Still Want a Home Loan)
A low credit score doesn't mean no home loan. Here's what actually counts as bad credit in Australia, why it happens, and what your real options are.
What Is the 5% Deposit Scheme, and Who Actually Qualifies?
The 5% Deposit Scheme changed in late 2025, no income caps, higher price caps. Here's what's actually changed and how to check if you qualify.
How much deposit do you actually need to buy a home in Australia?
You don't need a 20% deposit to buy a home in Australia. Here's what you actually need, how LMI works, and the schemes that can get you in sooner.